See what moves your EMR.
Your experience modification rate is a multiplier on every workers-comp dollar. Estimate the ratio from your losses and see the premium impact. Honestly labeled: this is an estimate.
EMR estimates as actual losses ÷ expected losses. A ratio of 1.0 is average for your class of work: below 1.0 lowers your workers-comp premium, above 1.0 raises it. Your official mod is set by NCCI from a fuller three-year formula, so treat this as the direction and the premium impact, not your filed rate.
Your numbers
Experience Modification Rate
Below 1.0 — fewer losses than expected, lower premium
The mod is a lagging number. The claims that drive it are not.
Your EMR is set by losses that already happened. POD reads the daily reports your team already produces and surfaces the leading safety indicators, the near-misses and exposures, that shape next year's losses before they become claims.
It multiplies premium
Premium = base rate × EMR. A 0.85 cuts your premium 15 percent; a 1.20 adds 20 percent. Over years, the gap is enormous.
It gates bids
Many owners require an EMR at or below 1.0 to bid. A high mod can lock you out of work before price ever enters the conversation.
NCCI sets the real one
The official mod uses a three-year window and split-point weighting. This estimate shows the direction, not the filed rate.
Questions & answers
An EMR of 1.0 is the average for your class of work. Below 1.0 means fewer losses than expected and a lower workers-comp premium; above 1.0 means more losses and a higher premium. Many owners require bidders to be at or below 1.0.
Method & sources
This estimates your experience modification as actual losses divided by expected losses, where 1.00 is average for your class. Your official EMR is calculated by NCCI or your state rating bureau from three years of loss history (excluding the most recent), with primary/excess split-point weighting and class-code expected-loss rates. Treat this as direction and premium impact, not your filed rate.
Sources: NCCI (experience rating plan)
Methodology reviewed by the Plan of Day construction team · July 2026
An estimate of your mod — your filed rate still comes from NCCI.
See the leading indicators behind your mod.
POD tracks the loss history behind your mod rate as it accrues and shows how today's incidents will read on next year's premium, long before the bureau issues the number.
Last updated: July 2026